vehicles
Published: Feb 25, 2026
One of the biggest concerns for 2019 Ford Explorer owners is how much coverage will cost each year. This popular midsize SUV offers a blend of utility and comfort, but its insurance premiums can vary significantly based on numerous factors. This guide provides a comprehensive breakdown of average rates, key influencing factors, and actionable strategies to help you secure the most affordable coverage.
The 2019 Ford Explorer is a versatile midsize SUV known for its spacious interior, comfortable ride, and available V6 engine options. Its popularity, however, means a wide range of insurance cost experiences among owners. This article will equip you with the knowledge to navigate pricing complexities and identify potential savings.
| State-minimum liability only | $30 - $45 | $360 - $540 | Floor rate; bare legal minimum limits only |
| Standard liability (50/100/50) | $75 - $100 | $900 - $1,200 | Most common liability-only purchase |
| Full coverage (good driver, 30-60) | $115 - $150 | $1,380 - $1,800 | $500 deductible; clean record; good credit |
| Full coverage (young driver, 18-25) | $250 - $380 | $3,000 - $4,560 | Surcharge for inexperience; varies by state |
| Full coverage (one at-fault accident) | $165 - $220 | $1,980 - $2,640 | Surcharge typically lasts 3 years |
| Full coverage (poor credit) | $180 - $280 | $2,160 - $3,360 | Poor credit can roughly double base premium in most states |
| USAA (military eligible) | $63 - $93 | $756 - $1,120 | Consistently lowest for qualifying members; per SaveMaxAuto rate data |
| State Farm (general public) | $96 - $137 | $1,150 - $1,640 | Competitive for drivers over 30 with clean records |
| GEICO (general public) | $100 - $146 | $1,200 - $1,750 | Strong discounts for federal employees and multi-policy |
| XLT 2WD trim (lowest-cost trim) | ~$111 | ~$1,329 | Lower MSRP and simpler repair profile |
| Platinum 4WD trim (highest-cost trim) | ~$128 | ~$1,539 | Higher replacement value and tech repair costs |
Key Takeaways
The average monthly full coverage insurance for a 2019 Ford Explorer ranges from $59 to $177, with liability-only averaging around $89 per month.
Annual premiums for full coverage can range from $665 to $1,992, with some providers offering rates as low as $198 annually for minimum coverage.
Driver age, geographic location, and driving record are the top three factors most impacting your rates.
Bundling policies and utilizing safety feature discounts offer the most effective savings opportunities.
USAA, State Farm, and GEICO frequently offer the cheapest rates for eligible drivers.
Comparing quotes from multiple providers can lead to estimated savings of $92 to $157 per month for full coverage.
Average Insurance Costs for 2019 Ford Explorer
The national average full coverage insurance premium for a 2019 Ford Explorer is approximately $1,500 annually, or about $125 per month, though some sources indicate an average as low as $665 annually (Insuranceopedia, 2026 data). For liability-only coverage, the average drops to around $89 per month (Insurify). The 2019 model year typically sees lower rates compared to newer Explorers due to depreciation and less expensive repair costs, but slightly higher than much older models which may have fewer safety features.
Insurance costs for the 2019 Ford Explorer vary based on the level of coverage:
Liability Coverage: This covers damages and injuries you cause to others. For a 2019 Explorer, liability-only averages around $89 monthly (Insurify).
Full Coverage: This includes liability, comprehensive (non-collision incidents like theft or weather), and collision (damage from accidents). Full coverage averages $177 monthly for Explorers, generally (Insurify).
Comprehensive Coverage: This component protects against non-collision events and typically averages a portion of the full coverage cost.
Regional cost variations are significant. For example, North Carolina can see rates as low as $66 per month for an Explorer, while New York averages $338 per month (Compare.com). While specific 2019 Ford Explorer rates by city are not universally available, a general Ford Explorer in New York City can average $347 monthly for full coverage (Bankrate). The Ford Explorer generally compares favorably to other midsize SUVs, often being cheaper to insure than models like the Jeep Grand Cherokee or Toyota Highlander (Way.com).
Factors That Impact Your 2019 Explorer Insurance Rate
Several key factors determine the premium you pay for your 2019 Ford Explorer. When you understand these elements, you can plan smarter and potentially lower your overall costs.
Driver Age, Experience, and Driving Record: Younger, less experienced drivers or those with a history of accidents or violations will pay significantly higher premiums. A clean driving record is paramount for lower rates (Bankrate).
Geographic Location and Zip Code: Urban areas with higher traffic density, theft rates, and accident frequency typically have higher insurance costs. Rates can vary dramatically even within the same state (Compare.com).
Credit Score: In most states, a lower credit score is correlated with higher insurance premiums, as insurers view it as an indicator of higher risk. Drivers with poor credit can pay 46% to 336% more than those with good credit (Insurance.com).
Annual Mileage and Driving Habits: Driving fewer miles annually can qualify you for low-mileage discounts. Usage-based insurance programs, which monitor driving habits, can also reward safe drivers.
These factors combine to create a personalized risk profile for each driver, directly influencing the final premium quoted for your 2019 Ford Explorer.
Trim Level Insurance Cost Differences
The trim level of your 2019 Ford Explorer significantly impacts insurance costs. Higher trims, with their increased MSRP and advanced features, generally cost more to insure.
Base vs. XLT vs. Limited vs. Sport vs. Platinum: Base models like the XLT 2WD tend to have the lowest insurance rates, around $1,329 annually. In contrast, premium trims like the Platinum 4WD can cost up to $1,539 annually, a difference of about $210 per year (Way.com).
Safety Features in Higher Trims: While higher trims are more expensive to replace, their advanced safety features, such as those found in Ford Co-Pilot360, can sometimes mitigate the cost increase by reducing the likelihood of accidents.
Performance Variants: Performance-oriented trims like the Sport may incur higher premiums due to their powerful engines and greater risk of spirited driving.
The XLT 2WD typically offers the cheapest insurance among the 2019 Ford Explorer trims due to its lower value and simpler features.
Insurance Costs by Major Provider
Insurance rates for the 2019 Ford Explorer vary significantly among providers, highlighting the importance of comparing quotes. Some companies consistently offer more competitive pricing for this specific model.
The chart below outlines the average annual premiums for a 2019 Ford Explorer across leading insurers, making it easier to compare pricing. Costs shown are for full coverage with standard deductibles for a 40-year-old driver with good credit. Data sourced from SaveMaxAuto's proprietary rate analysis.
State Farm | $1,150 - $1,640 | $96 - $137 | Drivers seeking personalized service | 4.5/5 |
GEICO | $1,200 - $1,750 | $100 - $146 | Online-savvy drivers, good for discounts | 4.3/5 |
Progressive | $1,450 - $1,911 | $121 - $159 | Drivers utilizing telematics programs | 4.0/5 |
Allstate | $1,400 - $1,800 | $117 - $150 | Drivers bundling multiple policies | 4.2/5 |
USAA | $756 - $1,120 | $63 - $93 | Military personnel and their families | 4.8/5 |
Nationwide | $1,300 - $1,700 | $108 - $142 | Drivers seeking broad coverage options | 4.1/5 |
Source: SaveMaxAuto
Based on available data, USAA consistently offers some of the best rates for Ford Explorer coverage, particularly for eligible military members and their families (Insurify). State Farm and GEICO also frequently appear among the most affordable options (Compare.com). SaveMaxAuto, a referral platform, claims to connect users with quotes from various partner insurers, helping to find competitive pricing for vehicles like the Ford Explorer. Comparing quotes from at least three to five providers is crucial to finding the cheapest full coverage for your Explorer.
Money-Saving Strategies for 2019 Explorer Owners
Several strategies can help 2019 Ford Explorer owners reduce their insurance premiums significantly.
Available Discounts:
Safety Features: The 2019 Explorer's standard features like AdvanceTrac® with Roll Stability Control® and available Ford Co-Pilot360 can qualify for discounts.
Anti-theft Devices: Factory-installed alarms or tracking systems can lower premiums.
Multi-policy Bundling: Combining auto and home insurance with the same provider can yield substantial savings.
Optimal Deductible Selection: Choosing a higher deductible (e.g., $1,000 instead of $500) can lower your premium, but ensure you can afford to pay it in case of a claim (Progressive).
Usage-Based Insurance Programs: Telematics programs, like Progressive Snapshot or GEICO DriveEasy, monitor driving habits and can offer discounts of 5-30% for safe drivers (Consumer Reports).
Bundling Opportunities and Loyalty Discounts: Insurers often reward customers who bundle multiple policies (auto, home, life) or stay with them for several years with loyalty discounts.
To find the cheapest car insurance, comparing quotes from multiple insurers is the most effective approach, potentially saving $92 to $157 per month for full coverage (MoneyGeek).
Safety Ratings Impact on Insurance Costs
The 2019 Ford Explorer's safety ratings play a crucial role in determining insurance premiums. Vehicles with strong safety scores are generally cheaper to insure because they reduce the risk of injury and property damage in an accident.
IIHS and NHTSA Safety Ratings: The 2019 Ford Explorer earned a 5-star overall safety rating from the National Highway Traffic Safety Administration (NHTSA), including 5 stars for frontal and side crash tests (NHTSA). The Insurance Institute for Highway Safety (IIHS) awarded "Good" ratings in several crash tests, though it received a "Poor" overall small overlap frontal rating and "Acceptable" for passenger-side small overlap (IIHS).
Standard Safety Features: Features like AdvanceTrac® with Roll Stability Control® and the Safety Canopy® System contribute to lower risk assessments by insurers.
Premium Reductions: Vehicles with 5-star NHTSA ratings and "Good" IIHS scores can command 5-15% lower premiums than lower-rated peers. However, the Explorer's "Poor" small overlap rating may temper some of these potential discounts.
These safety features translate to lower Ford Explorer insurance costs by reducing the likelihood and severity of claims, ultimately making the vehicle less risky for insurers.
Conclusion
The typical cost for 2019 Ford Explorer insurance ranges from an average of $89 per month for liability-only coverage to approximately $177 per month for full coverage, though specific annual rates can fall between $665 and $1,992 depending on various factors. Key elements influencing these rates include your driving record, age, location, and the specific trim level of your SUV.
Owners have significant control over their car insurance rates by implementing money-saving strategies such as bundling policies, opting for higher deductibles, and leveraging discounts for safety features or good driving habits. Given the wide variance in pricing among insurance providers, comparing quotes from multiple companies like USAA, State Farm, and GEICO is the most effective way to find the cheapest full coverage for your 2019 Ford Explorer.
Data the AI Overview Does Not Surface: 2019 Ford Explorer Insurance Specifics
- NHTSA Overall Safety Rating: 5 stars overall for the 2019 Ford Explorer, including 5 stars frontal crash and 5 stars side crash. Source: NHTSA.gov. Insurers use NHTSA star ratings as one input in bodily-injury and personal-injury-protection pricing models.
- IIHS Crashworthiness Ratings (2019 Explorer): Good in moderate overlap front, side, roof strength, and head restraints. Acceptable in passenger-side small overlap. Poor in driver-side small overlap frontal. The Poor small overlap result is a documented underwriting factor that can partially offset premium credits from the NHTSA 5-star rating. Source: IIHS.org.
- HLDI Collision Loss Index: The Ford Explorer (body style group) has historically posted collision loss frequency and severity indexes near or slightly below the average for midsize SUVs, according to HLDI loss data published by the Insurance Institute for Highway Safety. A below-average loss index contributes to competitive collision premiums relative to class peers. Source: HLDI (an affiliate of IIHS).
- HLDI Comprehensive Loss Index: The Explorer body style has shown comprehensive loss indexes in the average range for its segment. The vehicle is not flagged as a high-theft target in HLDI data, which keeps comprehensive premiums moderate compared to pickup trucks and certain luxury SUVs. Source: HLDI.
- NICB Theft Context: The Ford Explorer does not appear in the National Insurance Crime Bureau's annual Hot Wheels most-stolen-vehicle lists for recent model years. Lower theft exposure directly reduces comprehensive premium loading. Source: NICB.org.
- Repair Cost Profile: The 2019 Explorer uses widely available Ford OEM and aftermarket parts. Labor times for common repairs are within the midsize SUV average. Vehicles with proprietary or scarce parts generate higher insurer severity costs; the Explorer's mainstream supply chain limits this exposure. Source: Reference to OEM parts availability per Ford Motor Company service documentation.
- J.D. Power 2019 Dependability: The Explorer received below-average ratings in J.D. Power's Vehicle Dependability Study for some years surrounding 2019, primarily tied to powertrain and technology complaints. While dependability scores do not directly set insurance rates, higher mechanical-failure frequency can increase comprehensive and GAP claim incidence indirectly. Source: J.D. Power VDS published results.
- AM Best Carrier Stability Context: USAA, State Farm, GEICO, Allstate, Progressive, and Nationwide each carry AM Best financial strength ratings of A or higher as of their most recently published ratings, indicating strong claims-paying ability. Selecting a carrier with an A or better AM Best rating is a standard recommendation for any vehicle insurance purchase. Source: AMBest.com.
- Cost by Coverage Level (SaveMaxAuto rate data, 40-year-old clean-record driver): State-minimum liability: $30-$45/month. Standard liability: $75-$100/month. Full coverage with $500 deductible: $115-$150/month. Full coverage with $1,000 deductible: estimated $95-$130/month (reflecting typical 10-15% deductible-increase savings). Source: SaveMaxAuto rate analysis.
- Young-Driver Surcharge Scale: Drivers aged 18 to 25 can expect full-coverage premiums of $250 to $380 per month on a 2019 Explorer depending on state and carrier, consistent with the AIO's $600+ per month reference for the youngest drivers in high-rate markets. The surcharge typically compresses significantly by age 25 and normalizes around age 30. Source: NAIC rate-filing data and SaveMaxAuto quote index observations.
What the AIO Leaves Out: Liability Cost Floor vs. Standard Liability
The Google AI Overview for this query quotes liability-only coverage as low as $30 to $40 per month. That floor reflects a state-minimum policy, which in many states means only $15,000 to $25,000 in bodily injury protection per person. A 2019 Ford Explorer, weighing over 4,400 pounds, can cause damage well above those limits in a serious accident, leaving you personally liable for the difference.
When our rate data references $75 to $100 per month for liability, that reflects standard liability limits (50/100/50 or 100/300/100) that actually protect your assets. Both figures are accurate for what they describe. The question is not which number is right but which coverage level is right for your situation.
- State-minimum liability: Lowest premium, highest out-of-pocket exposure after a major at-fault accident.
- Standard liability (50/100/50): Most commonly purchased level; balances cost and real-world protection.
- Full coverage: Required if financed; still recommended when the vehicle's market value exceeds roughly 10 times the annual comp and collision premium.
The right level depends on your net worth, whether the vehicle is financed, and how much financial risk you can absorb without insurance. Getting quotes at multiple coverage tiers side by side, which SaveMaxAuto facilitates through its partner network, is the fastest way to see the actual dollar difference for your profile.
How much does it cost to insure a 2019 Ford Explorer per month
There's no exact age per se, but many people will start reconsidering full coverage when the car's value drops significantly. There's not like an age per se because it's really your depreciation and if people didn't know, your car depreciates when you drive it off the lot for brand new cars.
Is the 2019 Ford Explorer expensive to insure
The 2019 Ford Explorer sits in the affordable half of the midsize SUV segment. Full coverage for a good-driver profile averages roughly $115 to $150 per month, which is below the national average for midsize SUVs and notably cheaper than the Jeep Grand Cherokee or Toyota 4Runner. Several factors keep Explorer insurance costs moderate: six years of depreciation have reduced its replacement value, Ford's mainstream parts supply keeps repair costs lower than some European competitors, and its 5-star NHTSA overall safety rating signals lower injury-claim risk to underwriters. The vehicle is not considered a high-theft target nationally, which also holds comprehensive premiums down. Where costs climb is for young drivers, drivers in dense urban markets, and owners of the twin-turbocharged Sport or Platinum trims, which carry higher repair bills. For most drivers in most markets, the Explorer is a reasonable cost to insure relative to what it offers.
Which insurance company has the cheapest rates for a 2019 Ford Explorer
USAA is cheapest if you qualify, GEICO and State Farm are cheapest for the general public, with Nationwide and Travelers close behind. But on a six-year-old Explorer, the difference between carriers might be $20 to $30 per month — and the bigger savings opportunity is making sure you're getting every discount at your current carrier rather than chasing the lowest quote elsewhere.
What factors affect my 2019 Ford Explorer insurance cost the most
The factors that hit hardest in order are: your driving record, your zip code, your credit-based insurance score, your age, how much you drive, your coverage and deductible choices, your coverage history and loyalty, your marital status, your specific trim level, where you park, and your comprehensive claims history. The biggest thing you can do right now — according to all three experts — is call your agent, make sure every factor is accurately reported, ask about every discount, enroll in telematics, and stop leaving money on the table.
How can I lower my insurance rate for a 2019 Ford Explorer
Every single strategy your experts described comes down to one action: call your agent. Enroll in telematics, report your actual mileage, confirm your safety features are noted, verify your garage parking, ask about homeownership and marriage and military discounts, check if your credit has improved and request a rerun, take a defensive driving course, consider raising your deductible, and make sure nothing has been missed.
Does the 2019 Ford Explorer trim level affect insurance costs
Trim level absolutely affects your 2019 Explorer insurance. The spread between a base XLT and a Platinum or Sport can be $50 to $100+ per month because of the differences in vehicle value, engine power, repair costs, and technology complexity. As Brooke put it — "everybody gets lumped into a pool" — and the pool for a twin-turbo V6 Platinum is more expensive than the pool for a four-cylinder XLT. The good news is that on a six-year-old vehicle, depreciation has narrowed that gap significantly from where it was when new. And the discounts your experts described — telematics, bundling, homeowner, loyalty, safety features — work the same regardless of trim.
How does the 2019 Ford Explorer insurance cost compare to other midsize SUVs
So the 2019 Ford Explorer sits in the affordable half of the midsize SUV class — cheaper than the Jeep Grand Cherokee, Toyota 4Runner, Toyota Highlander, and Honda Pilot, but slightly more than a Subaru Outback or Chevrolet Traverse. The differences between mainstream midsize SUVs are narrow enough that — as the data shows — insurance costs are an unlikely reason to favor one model over another. The Explorer's mainstream parts, strong safety ratings, and six years of depreciation all work in its favor. And as all three of your experts would say — the real savings come not from which SUV you drive but from making sure you're getting every discount you're eligible for on the one you already have.
What discounts are available for 2019 Ford Explorer insurance
So for a 2019 Explorer, the discount stack is: telematics (up to 40% at renewal), bundling, homeowner discount, safety feature discounts for Co-Pilot360, six years of loyalty, continuous coverage, defensive driving course, married driver, good student if teens are on policy, low mileage if you work from home or are retired, military if applicable, multi-car, garage parking, higher deductible, accident forgiveness, improved credit score, and potentially adjusting your coverage level to reflect the vehicle's depreciated value. None of these happen automatically.
Does my credit score affect my 2019 Ford Explorer insurance rate
Your credit-based insurance score affects your 2019 Explorer rate, but it's not the same credit score you see from Experian or Equifax. It's an insurance-specific score built from your payment history, claims history, motor vehicle record, carrier longevity, and coverage continuity. Every carrier weights it differently, you can't see the actual score. The best thing you can do, according to your experts, is pay your bills on time, maintain continuous coverage, stay with one carrier, keep a clean driving record.
Should I get full coverage or liability only for my 2019 Ford Explorer
a 2019 Explorer is in a transitional zone. It's old enough that the full-coverage-versus-liability conversation is worth having but at $15,000 to $25,000 in value, it's still too valuable to go naked on. If you're financing, you have to keep full coverage. If you own it outright, the smartest move based on what your experts said is probably: Keep full coverage if you can't afford to replace the vehicle out of pocket Raise your deductible to $1,000 to lower your premium while maintaining protection Consider dropping collision but keeping comprehensive if the vehicle is on the lower end of the value range this protects against theft, weather, and animal strikes at a lower cost Drop full coverage entirely only if the vehicle's value has dropped enough that your annual comp/collision premium is a significant percentage of what the vehicle is worth and you can absorb the total loss.
How much is a 2019 Ford Explorer worth today?
A 2019 Ford Explorer's current private-party market value generally falls between approximately $14,000 and $24,000 depending on trim, mileage, condition, and regional demand, based on published used-vehicle market guides. Lower-mileage Platinum and Sport trims with clean CarFax histories trend toward the top of that range, while high-mileage base XLT models fall toward the bottom. This matters for insurance decisions in two ways. First, your insurer will pay actual cash value in a total-loss claim, not what you paid. Second, the lower the vehicle's value, the more sense it makes to evaluate whether your annual comprehensive and collision premium is worth what you would actually receive in a payout. If your Explorer's ACV is around $15,000 and you are paying $800 per year for comp and collision, that is roughly a 5 percent annual cost for coverage on the vehicle's value, which most financial guidance considers a reasonable threshold to keep full coverage.
Is 2019 a good year for Ford Explorer?
The 2019 Ford Explorer is generally regarded as a solid model year within the sixth-generation Explorer lineup. It was the final year before the complete redesign that arrived for 2020, meaning it benefits from several years of refinement on the platform. The 2019 model received a 5-star overall safety rating from NHTSA and earned mostly Good ratings from IIHS, though it carried a Poor rating in the small overlap frontal test, which is a documented limitation buyers should know. The Ford Co-Pilot360 suite became more broadly available across trims for 2019, adding automatic emergency braking, blind-spot monitoring, and lane-keeping assist. From an insurance standpoint, the 2019 year is favorable: the vehicle is old enough that depreciation has significantly reduced replacement-cost exposure for insurers, but it is modern enough to have safety technology that earns discounts. Common owner complaints on the generation include transmission hesitation and some reported third-row access limitations, but these do not materially affect insurance costs.
Is $300 a month too much for car insurance?
For a 2019 Ford Explorer specifically, $300 per month is above the typical range for most adult drivers and suggests one or more significant rating factors are at work. Average full coverage for a clean-record driver aged 30 to 60 runs $115 to $150 per month for this vehicle. Reaching $300 per month typically requires a combination of factors such as being under 25, carrying a recent at-fault accident or DUI on record, living in a high-rate urban market like New York City or Los Angeles, having poor credit in a state that permits credit-based rating, or being on a policy with unusually low deductibles and high limits. If you are paying $300 per month for a 2019 Explorer, the most productive steps are: request a telematics enrollment discount, raise your deductible to $1,000 if you have savings to cover it, verify every available discount is applied, and run fresh quotes with at least three to five carriers. The Save Max Quote Index shows that cross-carrier savings for drivers in elevated-rate situations are often larger than for average-profile drivers, meaning comparison shopping is especially valuable when your current rate feels high.